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by John Calub
4 Characteristics of God’s Laws:
1. Universal
2. Precise
3. Unchangeable
4. Everlasting
2 Vital Steps to Wealth Creation
Empowering Belief : “I always make decisions that are for the highest good
of all concerned including myself.”
5. TithingAccount
- 10% of your income
- donate to the organization or person from where you derive spiritual
guidance from
- non negotiable
6. Giving Account
- 3% of your income
Other Accounts:
Dream Accounts
7. Dream Car
8. Dream House
Other Accounts you can create:
9. Wisdom Account
10. Safety Account
11. Peace of mind Account
12. I’m Always in Love Account
MY NET WORTH
• A. ASSETS
Cash and Liquid assets
1. Cash on hand and cash in bank
2. Bonds, term deposits, and investment certificate
3. Money owed to you
4. Other
Marketable Assets
1. Stocks
2. Mutual Funds
3. Real Estate Investment
4. Business Interests
5. Other
Long-Term Assets
1. Pension Plan (Maturity Value)
2. Life Insurance (Cash Surrender Value)
3. Other
Long-term Debt
1. Housing Loan
2. Other Mortgage Loans
3. Other
c. Lastly, eat out and tip the same amount of your restaurant bill
to the waiter who served you_____________________
4. Look for a successful person (preferably a multi-millionaire) and treat
that person for lunch or dinner and inquire about his or her secrets to success.
Shake the hand of that person and give him or her a hug._________________